<![CDATA[Penelitian ini bertujuan untuk menganalisis bentuk pertanggungjawaban hukum dan etika notaris terhadap penerbitan covernote palsu serta implikasinya terhadap perlindungan hukum bagi debitur. Dalam praktik kenotariatan, covernote merupakan surat keterangan sementara yang sering digunakan oleh lembaga perbankan untuk mempercepat proses pencairan kredit sebelum seluruh dokumen jaminan selesai. Namun, penyalahgunaan covernote dengan memuat keterangan tidak benar menimbulkan kerugian hukum dan finansial, baik bagi kreditur maupun debitur. Penelitian ini menggunakan metode penelitian hukum normatif dengan pendekatan perundang-undangan (statute approach) serta analisis deskriptif kualitatif terhadap berbagai peraturan, doktrin, dan putusan pengadilan. Hasil penelitian menunjukkan bahwa covernote palsu menimbulkan tanggung jawab hukum dalam tiga dimensi: (1) Perdata, berdasarkan Pasal 1365 KUHPerdata tentang perbuatan melawan hukum; (2) Pidana, berdasarkan Pasal 263 dan 378 KUHP mengenai pemalsuan dan penipuan; serta (3) Administratif dan Etika Profesi, melalui sanksi Majelis Pengawas Notaris dan Kode Etik Ikatan Notaris Indonesia (INI). Temuan penelitian menegaskan perlunya regulasi khusus mengenai covernote untuk menghindari kekosongan hukum dan memperkuat pengawasan profesi notaris. Dengan demikian, penelitian ini berkontribusi dalam memperjelas batas kewenangan notaris serta memperkuat perlindungan hukum bagi debitur dalam praktik kenotariatan dan perbankan di Indonesia. This research aims to analyze the legal and ethical accountability of notaries in issuing false covernotes and its implications for the legal protection of debtors. In notarial practice, a covernote is a temporary certificate often used by banking institutions to facilitate credit disbursement before all collateral documents are completed. However, the misuse of covernotes containing false information can cause significant legal and financial losses to both creditors and debtors. This study employs a normative legal research method using a statutory approach and qualitative descriptive analysis of relevant laws, doctrines, and court decisions. The findings indicate that the issuance of a false covernote entails three dimensions of legal responsibility: (1) Civil, based on Article 1365 of the Indonesian Civil Code concerning unlawful acts; (2) Criminal, under Articles 263 and 378 of the Indonesian Penal Code regarding forgery and fraud; and (3) Administrative and Ethical, through sanctions imposed by the Notary Supervisory Council and the Indonesian Notary Association’s Code of Ethics. The study concludes that specific regulation on covernotes is urgently needed to prevent legal uncertainty and strengthen professional supervision. Hence, this research contributes to clarifying the boundaries of notarial authority and reinforcing the legal protection of debtors within Indonesia’s notarial and banking practices]]>
